Injury to third parties
Protection may apply to certain claims alleging injury to customers, members of the public or other third parties arising from your business.
Public Liability Insurance can help protect your business if your work causes injury to another person or damage to someone else's property. Dixons helps UK businesses arrange cover around the work they actually do.
From customer visits and construction sites to working on property belonging to others, accidents can happen. The right liability insurance can help protect your business when they do.
Public Liability Insurance is designed to provide protection against certain claims made by third parties following injury or damage to their property arising from your business activities. It can be particularly important for businesses that work with customers, visit sites or work around members of the public.
A customer could trip while visiting your premises. You could accidentally damage property while carrying out work. Or someone could be injured as a result of your business activities.
Public Liability Insurance can provide cover for certain insured claims, helping protect your business against potentially significant financial costs.
Cover is tailored around your business activities, rather than being a one-size-fits-all solution.
Protection may apply to certain claims alleging injury to customers, members of the public or other third parties arising from your business.
Your work could accidentally cause damage to property belonging to a customer or another third party.
The work you undertake, locations you visit and activities you carry out can all affect the insurance requirements of your business.
Depending on the policy, certain costs associated with defending an insured claim may also be covered, subject to the policy terms and limits.
Every business is different. The appropriate level and scope of Public Liability Insurance will depend on your activities, contracts, turnover, employees, locations and other circumstances.
Accidents don't always happen because someone has been careless. Businesses can face unexpected claims even when reasonable care has been taken. Here are some examples of situations where Public Liability Insurance may become relevant.
A customer visits your premises or worksite and suffers an injury. They believe your business was responsible and make a claim against you for compensation.
While carrying out work at a customer's premises, something goes wrong and you accidentally damage property belonging to the customer or another third party.
A member of the public comes into contact with something connected with your business activities and suffers an injury. Your business could subsequently face a liability claim.
After your business has supplied or completed work, an issue arises that results in damage to third-party property and a claim is made against your business.
These examples are illustrative only. Whether a particular incident is covered depends on the individual policy wording, terms, conditions, exclusions, limits and circumstances of the claim.
Public Liability Insurance is primarily concerned with certain liabilities to third parties arising from your business activities. The exact protection provided will depend on the policy wording, limits, exclusions and circumstances of the claim.
Cover can respond to certain claims alleging that your business is responsible for injury suffered by a customer, visitor, member of the public or another third party.
Protection can apply to certain claims following accidental damage caused to property belonging to someone else in connection with your business.
Where covered by the policy, certain costs associated with investigating or defending an insured liability claim may be included, subject to the policy terms and applicable limits.
A covered liability claim could result in compensation being sought from your business. Public Liability Insurance can provide protection for certain insured compensation liabilities.
If your business supplies products, Products Liability may be relevant where a product supplied by your business causes injury or property damage to a third party, subject to the policy terms.
The work you undertake can influence the liability risks your business faces. Your occupation, premises, contracts and activities should all be considered when arranging cover.
We can discuss your business activities, the work you undertake and the risks you face before considering the insurance options available.
Public Liability Insurance can be relevant to many different types of business. If your business interacts with customers, visits other people's premises, works on sites or could cause injury or damage to third-party property, liability cover may be an important part of your commercial insurance programme.
Building contractors can face liability risks while working on construction sites, customer properties, commercial premises and other locations.
Builders Insurance →Electrical contractors may work in homes, businesses, construction sites and public areas where accidental injury or property damage could result in a claim.
Electrical Contractor Insurance →Plumbing and heating work can involve working inside customer properties and around valuable buildings, equipment and belongings.
Plumbers Insurance →Roofing contractors work at height and on customer properties, creating a range of potential risks to people and third-party property.
Roofers Insurance →Joiners, decorators, flooring contractors, maintenance businesses and many other trades can face liability risks as part of their day-to-day work.
Tradesman Insurance →Shops, restaurants, offices, hospitality businesses and other organisations can also face claims from customers, visitors and members of the public.
Business Insurance →Contractors can work across multiple locations, often carrying out work on property belonging to customers, principal contractors or other businesses.
Construction and contracting activities can therefore create a range of potential third-party liability risks. Public Liability Insurance can form an important part of a contractor's wider commercial insurance programme.
The type of construction work you undertake, where you work, the contracts you accept and the activities your business carries out should all be considered when arranging liability insurance.
Contractors may be working inside homes, offices, shops, industrial units or other properties belonging to customers.
Some projects take place in areas where customers, visitors or members of the public may be nearby.
Building and maintenance work can involve drilling, cutting, installation, demolition and other activities that could accidentally damage third-party property.
Contractors may move between different projects and locations, making it important that their insurer understands the nature of their work.
Some clients and principal contractors may require contractors to hold specified levels of liability insurance before work begins.
Important: Public Liability Insurance is only one part of a contractor's insurance programme. Depending on the business, other covers such as Employers' Liability, Contract Works, Tools & Equipment, Plant & Machinery and Professional Indemnity may also need to be considered.
Understanding exactly what your business needs can be difficult. Different industries, contracts and activities can create different liability exposures.
Dixons can help you understand the insurance options available and arrange cover around your individual business requirements.
Your business activities are an important part of determining your insurance requirements.
We can discuss your premises, customers, contracts, locations and day-to-day activities.
We can explain the different insurance covers and limits that may be relevant to your business.
Dixons focuses on commercial insurance and the risks faced by businesses.
Public Liability Insurance can be confusing, particularly when different businesses face different risks. Here are some of the questions businesses commonly ask.
Public Liability Insurance is designed to provide protection against certain claims made by third parties following injury or damage to their property arising from your business activities. The exact cover available depends on the policy wording, terms, conditions, exclusions and limits.
Public Liability Insurance is not generally a legal requirement for every business in the UK. However, particular contracts, landlords, clients, trade bodies or other organisations may require a business to hold liability insurance before work can begin.
The appropriate limit depends on your business, the work you undertake and the contracts you enter into. Some clients or principal contractors may specify a minimum level of cover. Dixons can discuss your requirements and the limits that may be appropriate for your circumstances.
Public Liability Insurance can cover certain claims involving accidental damage to third-party property, subject to the policy terms, conditions, exclusions and circumstances of the claim.
It can provide cover for certain claims involving injury to customers, visitors or other third parties arising from your business activities. Whether a particular incident is covered depends on the individual policy and circumstances.
Public Liability Insurance can be particularly relevant to contractors who work at customer premises, construction sites or other locations where their activities could cause injury or damage to third-party property. Contractual requirements may also require contractors to hold a specified level of cover.
Public Liability is primarily concerned with liabilities to third parties. Claims involving employees may fall under Employers' Liability Insurance instead. Businesses with employees should consider their Employers' Liability requirements separately.
The treatment of subcontractors can vary between policies and depends on how your business operates. You should tell your broker and insurer about the use of subcontractors so the appropriate cover and policy conditions can be considered.
There is no single price for Public Liability Insurance. Premiums can depend on factors such as the nature of your business, turnover, activities, claims history, locations, the level of cover selected and other underwriting information.
Yes. If you already have Public Liability Insurance, Dixons can discuss your current arrangements, understand how your business operates and consider whether your insurance programme continues to reflect your requirements.
Still unsure about your liability cover? Talk to Dixons about your business and we'll help you understand the insurance options available.
Whether you're a builder, contractor, tradesperson, retailer or another type of business, Dixons can help you understand your Public Liability Insurance options and arrange cover around your business.
Tell us about your business, what you do and the situations your team works in. We'll help you understand the insurance options available.
Insurance is subject to the policy terms, conditions, exclusions and limits applicable to the cover arranged. The information on this page is intended as a general guide and does not constitute personal insurance advice.